Physician Loan In Blue Springs Missouri

Preferred Physician Loan Officer

Doug Crouse
NMLS# 363861
Mobile: (816) 728-3631
Email: doug.crouse@umb.com
Website: www.DoctorLoanExpert.com

I began doing mortgages in 1999 and I have done 100’s of mortgage loans for doctor families over the years. Being married to a doctor myself for the past 15 years I have a first hand perspective on the contracts, student loans, and the unique needs and circumstances your family faces.

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Regardless of whether you are a first time home buyer or purchasing a new home in Blue Springs Missouri, our vetted loan officers have a solid understanding of the local area real estate market and what it really takes to close your physician home loan with efficiency and expertise.

Our loan officers in Blue Springs Missouri provide specialized financing for doctors, like you.

To start with, let’s talk about why physician mortgage loans even exist. The reason is that doctors are extremely profitable clients for financial institutions. They take out big loans early in their careers and almost always pay them off. Lenders use physician home loans to lock in early career doctors by lending them more money with a fewer number of requirements than their competitors.

Physician Loan Experts In Blue Springs Missouri

If you are looking for a physician mortgage in Blue Springs Missouri then you came to the right place.

You’ve trained very hard to become a doctor and purchasing home should not be nearly as difficult.

Did you know there is a special loan that makes it easy for doctors to buy a home?

A home loan just for doctors?

Yup, doctors get their own loan!

A physician home mortgage is a special loan program designed just for doctors in the home buying process.

We understand the financial demands of your student loan financial obligation, and how important it is to preserve working capital for when the time is right with embarking upon your career. No matter if you are a couple years into practice, or a well established doctor, you can count on us to find a mortgage loan that is specifically tailored for your needs.

Quite a few doctors in Blue Springs Missouri may not qualify for conventional loans for various reasons such as minimal savings for a down payment, large student loan debt or very little to no work history.

Despite these reasons smart lending institutions know that doctors are a good bet considering that they traditionally have an incredibly low nonpayment rate on loans, high earning potential and secure jobs.

Not all mortgage lenders offer this specialized product and within banking institutions that do just simply talking to the best mortgage officer makes a tremendous difference.

Benefits of Physician Home Loans

  • Typically does not include student loan regular monthly payments in debt-to-income ratio.
  • Requires very low to no down payment (0-5 percent).
  • Generally does not call for private mortgage insurance (PMI), despite the fact that lower than 20 percent down payment.
  • Will accept a contract as evidence of future earnings, instead of pay stubs or W-2s, that don’t yet exist.

Buying a home doesn’t have to drain your savings and the process doesn’t need to drain your time.

Should You Put Money Down?

Suppose you have some money to put down or are looking at waiting until you have the funds?

Our loan providers can do the math for you and show you what each circumstance looks like and the benefits of each too.

In most cases, you’ll get your home loan paid off sooner and save thousands on interest too.

Furthermore, don’t overlook that having equity in your house will definitely provide more security and flexibility, especially if something unforeseen happens. With the 100% financed physician home mortgage loan, you should expect to start out under water. If something does not work out and you are forced to sell quickly, you need to be prepared to write a potentially big check for as much as 10% of the purchase price simply to get out of the house.

Regardless of whether you’re relocating down the street, across town or across the country, we are available to help you through the physician home loan process:: because you deserve it!

Doctors, get the house of your dreams with our Blue Springs Missouri physician home loan program!

Less than an hour ago, doctors just like you requested a loan from the locations listed below.

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